The first repayment time of the 36th installment of the car loan starts from the month following the signing of the car loan contract. For example, if the contract signing date is 1 month, then the first repayment date is February, and the repayment time of the last installment of the 36th installment is February 3 years later, that is, February 2022. Here, the user does not need to calculate 1 month as the first repayment.

The car loan contract will directly stipulate the first repayment time, which users can see when signing the contract and do not need to calculate it themselves.

The actual repayment of the 36-phase car loan is 36. If the loan contract is signed in three years, it will be 36 periods. If the contract is 36 installments, it is illegal for the lending institution to demand repayment of 37 installments or more.